109 BALDWIN COURT SE, PORT CHARLOTTE, FL, 33952
Active207 days on marketListed Jan 15, 2026MLS #C7520326
About this home
109 BALDWIN COURT SE
WATERFRONT LOT W/QUICK SAILBOAT ACCESS TO CHARLOTTE HARBOR - Large, waterfront lot in Port Charlotte w/100ft of seawall & almost immediate sailboat access to Charlotte Harbor. Keep your sailboat docked behind your home & reach open water in mere minutes from your backyard. Lot dimensions for the property are 100x125x100x125. A boater's paradise: Build your dream home here and enjoy some of the best fishing & boating in SWFL from your backyard. Lot is surrounded by a mix of older & newer, custom-built, estate homes. Great location, close to shopping and restaurants by car or boat. Make an offer today & claim your spot in paradise.
Facts & features
The home at a glance
0.29 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,253 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,253/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33952 — neighborhood snapshot
Population
33,991
Median age
53.7
Median income
$56,117
Median home value
$224,900
Avg household
2.3
Households w/ children
2,952
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% above the PORT CHARLOTTE 33952 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 BALDWIN COURT SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$422,500
125 OTT CIRCLE · same community
2 bd · 2 ba · 1,531 sqft · $276/sqft · 184 DOM
Sold · Sep ’25$500,000
141 BALDWIN COURT SE · same community
3 bd · 2 ba · 1,608 sqft · $311/sqft · 58 DOM
Sold · Sep ’25$1,000,000
4431 GARDNER DRIVE · same community
3 bd · 3 ba · 2,699 sqft · $371/sqft · 205 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 BALDWIN COURT SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 BALDWIN COURT SE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
109 BALDWIN COURT SE FAQs
What would the monthly payment be for 109 BALDWIN COURT SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,253/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 109 BALDWIN COURT SE?+
The most recent tax bill on record (2025) was $3,931. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $279,000, this home is listed about 16% below the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 109 BALDWIN COURT SE?+
Neil Armstrong Elementary School (elementary), Port Charlotte Middle School (middle), Port Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$279,000 runs 99% above the PORT CHARLOTTE 33952 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
207 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Luke Andreae. MLS #C7520326.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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